Getting started is simple.

Whether you’re buying your first home, renewing your mortgage, or refinancing, our process is designed to keep things clear, organized, and stress-free from day one.

We’re here to help you every step of the way.

When you’re ready, choose the option that fits where you are.


Apply Online

Complete our secure online application and we’ll review your information right away.

Book A Call

Prefer to talk it through first? Schedule a call and we’ll walk through your situation together.

Check out what it’s like to work with us.

A clear process — without the overwhelm.

Family Mortgage Planners provided an outstanding experience from start to finish! They were incredibly responsive—it truly felt like a 24/7 service.


Chinonso O.

STEP ONE

Start the conversation

Every mortgage begins with a conversation.

We’ll take time to understand your financial picture, your timeline, and what you’re hoping to accomplish — whether that’s buying your first home, renewing your current mortgage, refinancing, or planning ahead.

You can begin by completing our secure online application or booking a call with us. From there, we’ll outline the next steps and answer any initial questions so you feel confident moving forward.

No pressure. Just clarity.

STEP TWO

Review & Prepare

Once we receive your information, our team carefully reviews your application together and confirms which documents lenders will require.

We request supporting documents upfront — because this critical step helps prevent delays, surprises, and last-minute stress later in the approval process.

You’ll receive clear instructions and access to our secure portal to upload documents safely. Throughout this phase, we stay responsive and available keeping you updated so nothing feels unclear.

Our goal is simple: smooth approvals without unnecessary scrambling.

The team was so proactive – they kept me updated regularly with reminders about what was required at each stage.


Toyitan A.

They’re the best mortgage brokers out there! They really work hard to get the best deals for their customers. They saved me approx. $700-800 per month!


Wanda W.

STEP THREE

Secure Your Mortgage

After reviewing your documents, we present your strongest mortgage product and rate options currently available.

We’ll walk you through the differences in plain language so you understand not just the rate, but the structure and long-term impact of your choice.

From there, we can:

  • Provide a pre-qualification confirmation outlining your maximum purchase price and current rate options
  • Or submit for final approval based on the mortgage option you choose

From your first application to final funding, we’re with you every step of the way, ensuring everything stays organized and on track.

Smooth. Clear. Stress-free.

Our clients know we always have their best interest in mind.

Clients share over and over again that they receive consistent communication, clear explanations and steady support from start to finish.

“Highly Recommend!”

★ ★ ★ ★ ★

Family Mortgage Planners were excellent to work with. They had me prequalified very quickly and made the process of submitting all the required paperwork really easy.

Once I had made an offer, they got me a great rate and once again got me set up very quickly. I highly recommend the Family Mortgage Planner team for any of your mortgage needs!

Chase B.

“They were exceptional from start to finish.”

★ ★ ★ ★ ★

Mark, Jonah and Joel really made getting the right financial institution for our mortgage easy and without stress.

They were exceptional from start to finish and I am certainly looking forward to working with them in the nearest future.

Afolabi D.

“I felt very well taken care of and supported.”

★ ★ ★ ★ ★

The whole team at Family Mortgage Planners was fantastic to work with. They answered all of our nitty-gritty questions with helpful explanations and additional information.

As first time home buyers my husband and I felt very well taken care of and supported by Family Mortgage Planners.

Sandra H.

Ready to take the first step?

We’ll help you understand your options, prepare properly, and move forward with confidence.

Start your Application

Have some questions?

In Canada, the minimum down payment depends on the purchase price:

– 5% on the first $500,000
– 10% on the portion between $500,000–$1,000,000
– 20% for homes over $1,000,000

Most first-time buyers in Sherwood Park and Edmonton qualify with as little as 5% down.

Type in your answer It depends on your down payment, debts, and current interest rates, but here’s a rough guideline:


$400K home → ~$75K–$90K household income

$500K home → ~$90K–$110K

Every situation is different. We’ll walk you through your exact numbers so you can plan with confidence.

This depends on your comfort level and long-term plans:

Fixed rate: Stability and predictable payments

Variable rate: Historically lower over time, but can fluctuate

We don’t guess – we run real scenarios so you can clearly see which option fits your situation best.

Lenders look at key ratios like:

– Gross Debt Service (GDS)
– Total Debt Service (TDS)

Online calculators only give rough estimates – we’ll show you your real approval amount based on current lender guidelines so you can move forward with confidence.

A mortgage broker shops multiple lenders on your behalf to find the best mortgage that fits with your current and long term goals – not just one bank’s options.


At Family Mortgage Planners, we also:
– Structure your mortgage strategically
– Help you avoid costly mistakes
– Guide you from application to possession

You’re not just getting a rate – you’re getting a plan.

– Pre-approval: 24–48 hours
– Full approval: Typically 3–7 days

We keep things moving quickly so you can confidently make offers when the right home comes up.

Yes – most buyers in Alberta purchase with less than 20% down.

This does require mortgage insurance, but it allows you to get into the market sooner – often years sooner.

We’ll show you exactly what that looks like so you can decide if it makes sense.

Closing costs typically range from 1.5%–3% of the purchase price and may include:

– Legal fees
– Title insurance
– Property tax adjustments

We’ll give you a clear breakdown upfront so there are no surprises.

Yes – this is one of the most important first steps.
A pre-approval:

– Confirms your budget
– Locks in your rate
– Strengthens your offer

It also gives you peace of mind so you can shop with confidence.

The easiest way is to book a quick call with our team.

Then we can:
– Understand your goals
– Walk you through your options
– Give you a clear, personalized plan

No pressure—just clarity.

Ready to get started?

There are several ways we can get started! Regardless of how you reach out, we’ll quickly get back to you & answer your questions!

Call or text us today!

780-907-7207

Connect with us!

Have a question?

Fill out the form below & we’ll get right back to you.

We’re trusted by thousands of local families.

  • Highly recommended! As first time home buyers it was a great experience having Joel handle our mortgage. He was so helpful and knowledgeable. He knew what lenders would work for our particular situation and got us great rates. Also he clearly communicated what we should expect at each stage and... read more helped ease any worries we had. He was easy to get a hold of and continued to touch base throughout the process to make sure everything was in order. Thanks Joel and the Family Mortgage Planners for a great experience and helping us get our mortgage for our first home.

    Stuart Shelley Avatar Stuart S.
    October 20, 2020

    Joel and Mark were excellent and were always there to answer any questions I had!

    Joseph Robalo Avatar Joseph R.
    November 16, 2021

    I have used them twice now. Nothing but the best. Extremely helpful, solid advice, and professional.

    Kel Fit Avatar Kel F.
    November 11, 2025
  • We've purchased 4 homes over the past 15 years and everytime we use Mark, Joel and the team at Family Mortgage Planners. Always professional, friendly, knowledgeable and available to answer any questions we have. They go above and beyond to take the stress out of the mortgage buying process.... read more Great job guys!! Thanks again for all the help.

    Clayton Beniuk Avatar Clayton B.
    November 7, 2021

    Mark and his team will make sure you have an amazing experience from start to finish!

    Chris Kolinski Avatar Chris K.
    May 10, 2024

    I was very impressed by the service I received from Joel and Jonah at Family Mortgage Planners. They walked me through a nontrivial mortgage approval for a rural property highlighting all the nuances that could make the deal work or fail. Their guidance and input was timely and detailed which... read more made me felt supported and well informed through the whole process. I would highly recommend them to anyone.

    Itai Gal Avatar Itai G.
    July 14, 2023
  • Very quick and efficient services. They responded extremely fast with the best offers available when my mortgage came up for renewal. The communication was very consistent and timely throughout the renewal process and I would highly recommend this team. They absolutely service their customers well. Jamie

    Jamie Fair Avatar Jamie F.
    March 1, 2022

    They were very helpful and found us a much better rate than the banks were willing to give.

    Casey Germain Avatar Casey G.
    October 14, 2023

    I met Mark 12 years ago when he helped me purchase my first home with my wife. It went perfectly. Over the years we kept in contact for brief moments, he always treated me with respect and made me feel he is keeping me up to date with relevant... read more information regarding housing markets etc. I recently was in a position to purchase another home. My first call is to Mark, and now his children Jonah and Joel. They are the best to deal with, they understand Blue Collar Albertans and they will go the extra mile to ensure to get you what you want. The best quality I find is their honesty and integrity in their values, it was like talking to a good friend who just wants the best for you. Once again they proved that they are the best of the best in Alberta. Thank you to the Kostelyk’s and their entire firm and team!!

    Stephan Hoess Avatar Stephan H.
    June 10, 2024
  • I’ve used Joel and Mark 3 times over the last 15 years. Always felt like I was a priority. Very responsive, very thorough. Didn’t even have to step foot in their offices and they got me a mortgage on my own when I was worried... read more about being self employed. Very grateful for their seamless streamlined process. And thank you very much for the cookie delivery after I closed on my new mortgage. Thank you thank you!

    Sarah Larson Avatar Sarah L.
    June 14, 2023

    Joel was really friendly and helpful getting us approved for a mortgage. He answered any questions we had promptly and the whole process was smooth as silk. I highly recommend giving these fellas a call if you're needing a mortgage.

    Jesse Clemmer Avatar Jesse C.
    April 1, 2025

    Very good people,helped me successfully get my mortgage. I would recommend them to anyone who needs financing for a mortgage.

    Ahmed Yussuf Avatar Ahmed Y.
    May 22, 2022
  • We are once again thankful to Joel and Jonah for helping us get our home. Their approach towards getting our financing done right from the outset was diligent and professional. Highly recommended for anyone looking to buy a home!

    AR Benjamin Avatar AR B.
    May 10, 2024

    Mark and Joel are one of the best mortgage planners I've interacted and done business with. They are very professional, responsive and dedicated to doing excellent work. They made our mortgage process so seamless and easy. I highly recommend them!

    Femi Oladele Avatar Femi O.
    September 7, 2021

    I had an outstanding experience with family mortgage team. Jonah and Joel were very professional and they made this whole process super easy and stress free. The communication was top-notch during the process and they responded timly manner to my emails and texts. I would recommend family mortgage team to... read more anyone whos in mortgage needs around me. Thank you so much!! You guys are best!!

    MK Avatar MK
    October 4, 2025
  • Having used Family Mortgage planners for the second time II would once again recommend using their services .They are always extremely professional, reliable, informative , reinsuring and guide you through the process. The Mortgage planners promptly responded to questions making the process of remortgaging seamless and stress... read more free for me. They gave options highlighting pros and cons of products that are best for current needs and looking into the future plus they spoke language I understood! Thank you for the exceptional service!!

    Maity Taka Avatar Maity T.
    October 1, 2022

    The Family mortgage planners made the selling and home buying experience enjoyable and efficient. We are so happy with our new home and interest rate! Mark and Joel were professional and personal which took away any stress that we would have experienced without them. 110% recommended! Mike and Brit

    Michael Amirault Avatar Michael A.
    March 1, 2022

    Family mortgage planners were excellent to work with. They had me prequalified very quickly and made the process of submitting all the required paperwork really easy. Once I had made an offer, they got me a great rate and once again got me set up very quickly. I highly recommend... read more the Family Mortgage Planner team for any of your mortgage needs!

    Chase Buhler Avatar Chase B.
    June 14, 2023
  • Excellent service and knowledge from all of the gentleman at Family Mortgage. Very knowledgeable regarding self employed options.

    Erin Matton Avatar Erin M.
    April 16, 2022

    Mark is an amazing Mortgage Broker. His professional, kind and caring approach to Mortgage Financing is second to none. You are in great hands when you choose Mark and his team!

    Sandra Forscutt Avatar Sandra F.
    May 10, 2024

    Working with Joel and team at Family Mortgage Planners made the entire mortgage process so much less stressful. They were super patient, knowledgeable, and always quick to answer our questions (even the small ones). They explained everything clearly and helped us understand what we actually qualified for. Thank you for your... read more help!

    Maria Toro Avatar Maria T.
    November 29, 2025
  • Mark has been a pleasure to work with. Competitive rates and valuable advice. Thought I would try a discount mortgage provider direct and If I chose him instead I would have saved a lot of money as rates dropped and now I’m locked in! Very happy with his service and value... read more he bring to the table

    Alex Hogg Avatar Alex H.
    January 18, 2021

    Joel Kostelyk and Mark Kostelyk of Family Morgage Planners provided us high quality service. Mark told us the processing of our application would take less than a week and he was right because we got the conditional approval a day after we submitted all the required documents. They found the... read more lender who could give us the best interest rate and great loan feautures. Mark guided us to the easy documentation process of our application up to the end. Not only that, they still offered after-sale service to answer any questions even though the mortgage has already been released. They were very helpful, and honest/transparent to every detail of the transactions. I will definitely recommend them to my family members, coworkers, and friends. Five star for you and more power!

    8. Jhun Guerrero 008 GmailCom Avatar 8. J.
    February 14, 2021

    For the first time purchasing our home, Family Mortgage Team Planners made the process seamless and stress-free. We will undoubtedly seek their assistance again in the future. Highly recommended!

    angel nillo Avatar angel n.
    October 2, 2025
  • A very great and reliable team. Family Mortgage planners took us through the process. Very detailed and straightforward.

    Ayodeji Babajide Avatar Ayodeji B.
    September 14, 2023

    Had the pleasure of working with Jonah and I cannot recommend him enough! From the moment we started the mortgage process, Jonah was knowledgeable, responsive, and truly had my best interests as the top priority. Buying a home can be overwhelming, but the team made everything seamless and stress-free. Thank you!!

    Davis DiSciglio Avatar Davis D.
    April 7, 2025

    Mark and his team were incredibly helpful in providing insight, advice, and an exceptionally smooth experience for my wife and I. As first time home buyers, the family mortgage crew took all of the mystery out of the process and gave us all the confidence and support we needed. Cannot... read more recommend highly enough!

    Andrew hochhalter Avatar Andrew h.
    November 7, 2021
  • Glad I found family mortgage planners. They are 100% reliable and they go all the way for you and also with you all the way through the process. I will recommend them without thinking twice.

    Oladapo Dare Avatar Oladapo D.
    December 10, 2023

    Joel and Mark have always been incredibly helpful at every stage of my mortgage experience. Family Mortgage Planners will definitely be my mortgage specialists until I own my home outright and I would highly recommend them.

    Jeremiah Aherne Avatar Jeremiah A.
    July 16, 2022

    Great team effort by the guys here! Very prompt and professional. Highly recommended!!

    Garth Gawron Avatar Garth G.
    July 26, 2022